Carson Smithfield Debt Collection Harassment
Tired of Carson Smithfield Debt Collection Harassment? Wish there was a way to make the calls stop? Is Carson Smithfield agency constantly calling and harassing you? Does your phone ring every day, several times per day, because Carson Smithfield debt collector is attempting to collect payment? Threatening you with legal action? Has Carson Smithfield collection agency ever used abusive or profane language when speaking with you on the phone? If so, Carson Smithfield llc may be violating your legal rights. Stop the harassment.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Is Carson Smithfield a scam?
According to the Better Business Bureau website, Carson Smithfield has been in business since 1986. There have been 46 complaints closed in the last 3 years and 19 complaints closed out in the last 12 months.
It is important to ensure that Carson Smithfield agency operates in compliance with all relevant debt collection regulations.
Who is Carson Smithfield?
Carson Smithfield is third party debt collector located in Old Bethpage, New York. They often work on behalf of the original creditor to recover outstanding debts. They have been a party to over 80 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. Furthermore, a recent Federal Court cases alleges that Carson Smithfield llc used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: 101 Crossways Park West Woodbury, NY 11797 Phone: (866) 889-9179 Fax: (516) 576-0422
Alternate Business Name Card Works Servicing LLC Cardholder Management Services L.P. C.M.S.
Carson Smithfield Debt Collection Harassment Tactics
If Carson Smithfield agency engages in any of the following tactics, you may have a case:
- ➡️ Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call (FDCPA 15 U.S.C. 1692c)
- ➡️ Talking to others about your debt (FDCPA 15 U.S.C. 1692b)
- ➡️ Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work. (FDCPA 15 U.S.C. 1692c)
- ➡️ Use any profane language or any language that is harassing and abusive (FDCPA 15 U.S.C. 1692d)
- ➡️ Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. (FDCPA 15 U.S.C. 1692d)
- ➡️ Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment( FDCPA 15 U.S.C. 1692e)
- ➡️ Threaten arrest or criminal prosecution ( FDCPA 15 U.S.C. 1692e)
- ➡️ Send false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e)
- ➡️ Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d)
- ➡️ Fail to verify the debt upon request (FDCPA 15 U.S.C. 1692g)
Carson Smithfield Phone Number
Are you receiving any harassing phone calls from this number?
- 📞 877-394-5975
If so, you may be a victim of Carson Smithfield debt collection harassment. The list above is not all the numbers that Carson Smithfield collection agency uses. Also, calls can be from different numbers and it still be Carson Smithfield llc calling you. Contact our office right away so we can start the process to stop Carson Smithfield debt collector from calling you illegally. Above all, no one should live with harassment. In addition to phone calls, Carson Smithfield agency may also contact you by mail.
Carson Smithfield LLC Complaints
The following is a sample list of complaints filed against Carson Smithfield debt collector and can be found on Pacer.gov.
- 3:19-cv-12407-MAS-LHG TODARO III v.
- 1:19-cv-02670-WFK-LB Depascale v.
- 3:19-cv-00328-JPG-MAB Unverzagt v.
- 5:19-cv-01401-EJD Spies v.
- 1:19-cv-02262-VSB Velez v.
Carson Smithfield Debt Collection Accounts and Credit Scores
Collection accounts can significantly impact your credit score, potentially dropping it by up to 100 points. When a creditor is unable to recover a debt after several months of non-payment, they may sell or assign the debt to a third-party collector, such as Carson Smithfield collection agency. Collection accounts can remain on your credit report for up to seven years if left unchallenged. It is essential to address collection accounts promptly to prevent further damage to your credit score. Debt validation and pay-for-delete agreements can be effective strategies in removing collection accounts from your credit report.
Pay for Delete Agreements
A pay-for-delete agreement is a negotiated settlement between a debt collector and a consumer, where the debt collector agrees to remove the collection account from the consumer’s credit report in exchange for payment. This type of agreement can be beneficial in removing negative marks from your credit report, but it is crucial to ensure that the agreement is in writing and that the debt collector complies with the terms. Pay-for-delete agreements should be approached with caution, as they may not always be the most effective solution. It is recommended to consult with a credit repair company or seek professional advice before entering into a pay-for-delete agreement.
Removing Negative Marks from Credit Reports
Removing negative marks from your credit report can be a challenging process, but it is essential in maintaining a healthy credit profile. The first step is to obtain a copy of your credit report from each of the three major credit bureaus and review it for errors and inaccuracies. If you find any errors, you can dispute them with the credit bureau and provide documentation to support your claim. Debt validation and pay-for-delete agreements can also be effective strategies in removing collection accounts from your credit report. It is crucial to communicate with debt collectors in writing and to keep detailed records of all interactions. By understanding your consumer rights and taking proactive steps, you can remove negative marks from your credit report and improve your credit score. Regularly checking your credit report and addressing errors promptly is key to maintaining a healthy credit profile and ensuring that your credit report accurately reflects your credit history.
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop Carson Smithfield debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau. Our legal professionals can help you resolve disputes with debt collectors and protect your rights.
If you are interested in learning more about how to safeguard yourself and prevent Carson Smithfield agency debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “Carson Smithfield called me 10 times a day about a credit card debt from 2015. I told them it was past the statute of limitations, but they kept threatening to sue. Consumer Rights Law Firm PLLC sent one letter citing FDCPA violations – the calls stopped immediately. They even got me a $3,000 settlement check for the harassment!”
- 🏆 “Carson Smithfield put a $1,200 collection on my report that wasn’t even mine. These lawyers proved they violated the Fair Credit Reporting Act (FCRA) by failing to verify the debt. Not only did Carson Smithfield remove it, but my credit score jumped 83 points almost overnight. Worth every penny (which I didn’t pay – Carson Smithfield did!).”
- 🏆 “Carson Smithfield sent letters saying they’d garnish my paycheck without a court order – which is illegal! Consumer Rights Law Firm PLLC sued them for false threats under the FDCPA. Result? The debt was canceled, and I got $2,500 in damages. These attorneys don’t play around!”
FAQs
Who is Carson Smithfield and why are they contacting me?
Carson Smithfield is a legitimate third-party debt collection agency handling past-due consumer debts bought or assigned by creditors. They’re contacting you because they believe you owe money on an account they acquired or are collecting on.
Is Carson Smithfield a scam or a legitimate debt collector?
Carson Smithfield is a real, licensed debt collection agency. However, it’s always smart to request written debt validation to confirm the debt’s accuracy and avoid potential scams.
Can Carson Smithfield harass me with phone calls?
No. Under the FDCPA, debt collectors cannot harass, threaten, use abusive language, call repeatedly, or contact you at inconvenient times. Such behavior is considered illegal.
What should I do if Carson Smithfield LLC keeps calling me?
Document every contact (time, date, and content) and send a written cease-and-desist letter. If calls continue, file a complaint with the FTC or CFPB and consider consulting a consumer rights attorney.
Can Carson Smithfield affect my credit score?
Yes. They can report a delinquent account to credit bureaus, which may drop your score. You have the right to dispute any errors or inaccuracies on your credit report.
Will paying Carson Smithfield remove the collection from my credit report?
Paying the debt usually updates the status to “paid” but doesn’t remove the negative entry, which stays up to seven years. You can negotiate a pay-for-delete agreement, though it’s rare and must be secured in writing.
Can Carson Smithfield sue me or garnish wages?
They may sue you depending on your state’s statute of limitations on debt. If they win a judgment, they could garnish wages or bank accounts unless prohibited by law.
Does Carson Smithfield use robocalls or spoofed phone numbers?
Reports suggest they may call from different or spoofed numbers. If they use automated calls without your consent or hide their identity, that could violate the TCPA or FDCPA.
What are my legal rights when dealing with Carson Smithfield?
Under the FDCPA, you can request debt validation within 30 days, demand they stop calling, dispute inaccurate debts, and sue for damages up to $1,000 plus legal fees if they violate consumer protection laws.